## Access requirements

Payments is available to Admin and Manager users. If you don’t see it in your account, contact [banking@trykarat.com](mailto:banking@trykarat.com) to request access.

## Before you send

Before sending your first payment, make sure:

- Your preferred payout methods (e.g. ACH, PayPal) are enabled in [payment settings](https://app.trykarat.com/settings/payments)
- You have sufficient funds in your account

Karat does not advance or front payments. You must have funds available before sending.

## Enabling a payout method

To enable a payout method, go to [payment settings](https://app.trykarat.com/settings/payments) and select the method you want to activate.

1. Review and accept the terms for the payout method
2. If your business has multiple owners, confirm each owner’s percentage
3. If any beneficial owner holds more than 25% ownership, upload a government-issued ID for that owner

### Identity document requirements

Beneficial owners with more than 25% ownership must provide a government-issued photo ID before the payout method can be enabled. Accepted documents include:

- Passport
- Driver’s license
- State-issued ID

You can upload a JPG, PNG, or PDF file. Images are automatically compressed to meet size requirements. PDF files must be under 2 MB. Once all required documents are submitted, the payout method is enabled and you can begin sending payments.

## Setting up international payment methods

If your organization is eligible, international payments are automatically enabled when Payments is activated. You’ll see a banner at the top of the Payments dashboard prompting you to set up additional payment methods for paying recipients globally. From the banner, you can:

- Click **Set up now** to open a guided setup flow
- Enable international bank transfers, SWIFT wire transfers, crypto, or PayPal
- Review and accept terms for each method before activation

Once a method is enabled, it appears as **Available** in the setup modal. You can manage enabled methods and configure who pays the transfer fee for each method in [payment settings](https://app.trykarat.com/settings/payments). See [Payments fees](https://help.trykarat.com/payments/payments-fees#who-pays-the-fee) for details on fee handling options.

If you only need to pay U.S.-based recipients, you can dismiss the banner and continue with domestic payment methods only.